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    • as said at least once already .....the name change is immaterial, forget it. until of unless you get a letter of claim by surface mail you ignore everything. block and bounce all emails, txts and never answer the phone. move on. dx  
    • it seems they can do what they like then. I contacted them before the date was due for the course, I explained i was trying to book and it would not let me,  I just find it frustrating they can revoke the offer because of the times it has taken them to respond, they issued another form which i sent back but due to the timing of everything it went over. They should have the decency to review the situation, I understand it was not signed but they still had all the information to see I had sent the details. Thank you for the reply.
    • My Debt has also transferred to J&P,  I was getting letters to my previous address which stopped - i still have access to but its not where i live, there a letter on the way to Dubai confirming my current address as advised above. 4 weeks ago out of the blue i get a text regarding credit card debt and to call a number, ignored the message, the next day i get a letter from J&P to my current address. A couple of weeks in a row i get the same text and again a letter. They have managed to get my current phone number and address. I have just received a phone call from 07441 362857, I answered and they asked if my name was xxxxxx which i confirmed, they only asked my first name. after i confirmed they just put the phone down. Does this sound like a tactic to try and get me to ring them back, or could it be some other, totally unrelated scam? just seems weird they knew my name.  
    • ACPOA PCN 190424.pdf   1 Date of the infringement 30/3/24 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 19/4/24 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 23/4/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No 5 Is there any photographic evidence of the event? No 6 Have you appealed? [Y/N?] post up your appeal] N Have you had a response? [Y/N?] post it up Give answer here 7 Who is the parking company? APCOA 8. Where exactly [carpark name and town] Ludlow Tesco 2856 For either option, does it say which appeals body they operate under. No  
    • So not entirely down to the ticket office, then. In fact you have been quite fortunate. The "Section 172" response provides the evidence the police need to prove that you were driving if they wish to prosecute you in court. In England and Wales there is a legal precedent which has determined that an unsigned s172 response does not meet the requirements of that part of the RTA. In effect, an unsigned response is equivalent to no response at all. (This precedent is not recognised in Scotland and there is a strategy to "go unsigned" to avoid conviction). When they receive an unsigned response the police are perfectly entitled to prosecute you for "Failing to provide drivers details" and they more often than not do. This offence carries six points, a hefty fine and insurance grief for up to five years. So you got lucky. The situation now is that the deadline for accepting a course is passed. Four months is the absolute maximum, with some forces cutting it back to as little as three months from the date of the offence. The police will not extend this because if you fail to complete the course before six months has elapsed, they can no longer prosecute you. They can only begin proceedings up to the corresponding date in June (i.e. if the offence was December 10th, they have until June 10th to begin proceedings). You will gain nothing by taking this to court. On the contrary you have a lot to lose. Courses are offered entirely at the discretion of the police, you have no right to one and the court has no powers to order one. Presumably you have been offered a fixed penalty of £100 and 3 points. If you are sentenced in court it will cost you at least three times that, possibly more (depending on your speed and your income). My advice: accept the fixed penalty and do it soon as there is a deadline for that as well and if you allow it to pass your matter will be taken to court anyway. Do not forget to submit your driving licence details as instructed when accepting the offer. If you fail to do so the police will have no time left to remind you (and they don't usually send reminders for this anyway) and, again, your case will end up in court.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Gk motors in mansfield


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Has anyone dealt with this group in the past?

I viewed a car for my other half at this used car dealership early this week.

 

The car was priced at £6950 (approx); she liked the car and paid £1000 as a deposit whilst they applied for finance for the vehicle.

 

They came back with a finance arrangement that shows the amount to be borrowed as £6950 (or thereabouts) plus a whopping interest rate that puts the total amount repayable at more than £13k. The latter, I can understand, since she doesn't have good credit.

 

But the £1000 deposit seems to have disappeared in all this, but they say that it has been accounted in the finance agreement.

Edited by dx100uk
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whos the financing fleecers

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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On our initial visit to test drive the car, they tried to . They tried to sneak in an additional £600 towards a 2 year warranty. I clearly told them that we are not interested in the warranty. They asked for a deposit of £1000. The deposit was taken with a proviso, " subject to finance".

ANyway, when they cam eback with the finance offer, they had dishonestly added the warranty price despite us opting out of it.

 

The owner of the place is now refusing to return the £1000 if we cancel. It feels like he is bullying my wife into agreeing to the ridiculous finance offer or she loses her deposit!

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whos the financing fleecers

 

Advantage finance.

 

I'd like to add that they financed my car three years ago and it was smooth. And the monthly payments were not too bad. The additional charges such a Acceptance fee, option to purchase etc seem to be inflating the price.

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so its not a std HP agreement if its got option to purchase

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have seen an option to purchase fee with the last instalment on an HP agreement (typically around £100). How much is the option to purchase fee Advantage are stating ?

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I have seen an option to purchase fee with the last instalment on an HP agreement (typically around £100). How much is the option to purchase fee Advantage are stating ?

 

I think it was around the £140 range.

 

I must add that despite all the fuss I kicked up, the mrs has gone and accepted his offer because she needs a car urgently. :-/

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If I remember gk it's part of a group of three with differnt names but same owners

 

Expect the warranty to be useless - brother in law had an issue with the flywheel on his a week after purchase

 

2 years later and it's been on the drive for nearly a year as everything it goes in for repair it gets bodged then they report it's fixed to the finance

 

ALas the brother in law "can't be bothered" to make a fuss as he has about 6 cars

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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